                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}&\multicolumn{1}{c}{(5)}\\
                &\multicolumn{1}{c}{Any MoB}&\multicolumn{1}{c}{Sum MoB}&\multicolumn{1}{c}{No. MoB}&\multicolumn{1}{c}{Savings}&\multicolumn{1}{c}{Late Repayment}\\
\midrule
Saving          &   -0.013\sym{***}&   -7.885         &   -0.065\sym{***}&   -1.705         &   -0.003         \\
                &  (0.004)         &  (6.070)         &  (0.024)         & (20.472)         &  (0.018)         \\
\addlinespace
Mobile Banking  &    0.055\sym{***}&   27.642\sym{***}&    0.060\sym{*}  &   13.068         &   -0.026         \\
                &  (0.006)         &  (6.818)         &  (0.033)         & (19.950)         &  (0.017)         \\
\addlinespace
Saving  $\times$ ...&    0.014\sym{***}&    7.792         &    0.060\sym{**} &    8.455         &   -0.020         \\
                &  (0.005)         &  (6.439)         &  (0.027)         & (24.076)         &  (0.024)         \\
\addlinespace
MB  $\times$ ...&    0.014\sym{*}  &    2.293         &    0.025         &    8.328         &    0.003         \\
                &  (0.008)         &  (7.835)         &  (0.036)         & (23.840)         &  (0.023)         \\
\midrule
Observations    &    60000         &    60000         &    60000         &    60000         &    17540         \\
Control Mean female=0&    0.041         &   22.093         &    0.142         &  353.889         &    0.179         \\
Control Mean female=1&    0.010         &    2.566         &    0.021         &  229.540         &    0.312         \\
p-Value Savings  = MB&    0.000         &    0.000         &    0.000         &    0.463         &    0.159         \\
Total effect MB &    0.069         &   29.935         &    0.085         &   21.396         &   -0.024         \\
Total Effect MB p-value&    0.000         &    0.000         &    0.000         &    0.100         &    0.135         \\
Wave FE         &      Yes         &      Yes         &      Yes         &      Yes         &      Yes         \\
